Vehicle Rates

Let 1st CCU's friendly local lending experts help you with the purchase of your next car, truck or recreational vehicle!  New, Used, or refinancing an existing loan you have at another financial institution, we do it all.  Our great rates, fast approval, and flexible terms will have you in the driver's seat in no time.  Now's the time to upgrade your auto, trade in your truck, or purchase that new boat, camper, or other recreational vehicle for fun in the sun this year!

cute dog looking out car window. Auto loans as low as 2.75% APR. Recreational as low as 3.35% APR.

*APR=Annual Percentage Rate.  Rates are effective March 9, 2020 and subject to change. Rates, terms and conditions based on creditworthiness, qualifications, and collateral conditions. All loans subject to credit approval. Some restrictions may apply. Not available for refinancing of loans already on file at 1st CCU. Membership eligibility required. This offer cannot be combined with any other offers, coupons, or discounts. Contact 1st CCU for full details and a list of all available rates, terms, and qualifications. Federally insured by NCUA. NMLS 411004.


VEHICLE AND RECREATIONAL RATES POSTED BELOW ARE THE LOWEST AVAILABLE TO QUALIFIED BORROWERS. YOUR RATE MAY BE HIGHER AND WILL BE DETERMINED BY THE LOAN TYPE, MODEL YEAR, TERMS, AMOUNT FINANCED, AND YOUR CREDIT HISTORY. SEE A LOAN OFFICER FOR DETAILS AND AVAILABLE TERMS.

Loan Type 24 Mo APR* 36 Mo APR* 48 Mo APR* 60 Mo APR* 72 Mo APR** 84 Mo APR**

Auto Loans As Low As:
New 2019-2020 (<15,000 miles) 2.75% 2.90% 3.05% 3.20% 3.50% 3.75%
Used Vehicle 2015-2019 3.00% 3.15% 3.30% 3.45% 3.75% ---
Used Vehicle 2009-2014 3.75% 3.90% 4.05% 4.20% --- ---
Older Vehicles 9.20% 9.45% 9.95% 10.70% --- ---
Older vehicle loans not eligible for discounts; minimum loan amount $1,000
Classic, Exotic as low as: 6.60% 6.75% 6.90% 8.90% --- ---

Recreational Vehicles (Boats, Campers, RV's, ATV's, Snowmobiles, etc) As Low As:
2019 (NEW) - 2020 3.35% 3.50% 3.65% 3.80% 4.10% 4.35%
2015-2019 3.60%
3.75% 3.90% 4.05% 4.35% ---
2009-2014 4.35% 4.50% 4.65% 4.80% --- ---
Older Recreational 9.20% 9.45% 9.95% 10.70% --- ---
Some rates may contain a balloon

*APR = ANNUAL PERCENTAGE RATE. SOME RATES MAY CONTAIN A BALLOON.  RESTRICTIONS MAY APPLY. 100% FINANCING ON VEHICLE LOANS AVAILABLE TO QUALIFIED BORROWERS. CONTACT A LOAN OFFICER FOR FULL DETAILS. 

**SOME RESTRICTIONS APPLY FOR TERMS 72 MONTH AND 84 MONTH TERMS. SEE A LOAN OFFICER FOR QUALIFICATIONS.

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NMLS 411004


testimonial from Nicholas "able to get a better vehicle and opened a checking and savings"